Travel insurance for US citizens visiting the USA

Compare travel medical insurance for US citizens living abroad

Age
Spouse
Start Date
End Date
Patriot Platinum

Plan Maximum

Deductible

Pre-existing

Covered

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Diplomat America

Plan Maximum

Deductible

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Patriot America Plus

Plan Maximum

Deductible

Pre-existing

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Insurance Providers
Pre-existing condition
Covers Acute onset of pre-existing conditions for visitors aged under 70 years. Covers pre-existing conditions after 24 months of waiting period.
Not Covered
Covers Acute onset of pre-existing conditions for visitors aged under 70 years.
Urgent care clinic
Up to $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible Covered Up to $25 copay. Copay is not applicable when the $0 deductible is selected. Not subject to deductible
Emergency medical evacuation
Up to the maximum limit The average semi private room rate Up to the maximum limit
Unique Adavantages
  • Eligible for green card holders.
  • Optional coverage for adventure sports with purchase of the rider.
  • Available for B1 Visa holders for their business trips to the US.
  • Optional coverage for Enhanced AD&D rider.
  • $20K coverage for 80+ travelers - best coverage.
  • Provides an excellent sports rider for adventurous sports such as snowboarding, mountain climbing, and motor scooter.
  • Eligible for green card holders.
  • Eligible for green card holders.
  • Optional coverage for adventure sports with purchase of the rider.
  • Available for B1 Visa holders for their business trips to the US.
  • Optional coverage for Enhanced AD&D rider.
  • Eligible for green card holders.
  • Optional coverage for adventure sports with purchase of the rider.
  • Covers acute onset of pre-existing conditions.
  • Optional coverage for Enhanced AD&D rider.
Brochure & Details links

US travel insurance for u.s. citizens visiting USA

Are you a US citizen and living outside the United States? You might be in a conundrum as well as medical insurance coverage when you are visiting the US? This is because travel insurance plans or health medical insurance plans that are usually meant to cover people traveling outside their home country. In this context, one assumes that US citizens live in the United States.

US citizens viviting USA

Therefore we see the brochure has the eligibility wording stating "US citizens traveling outside US" or "Non US citizens coming to the US or any other country"...This sadly excludes US citizens who live overseas and want to visit the US. However as we know well, there are many US citizens who live, work or study overseas.

They visit the US for a short period of time during holidays, Christmas, Thanksgiving, vacation, visiting family and friends…and at the end of the short period of time they go back to the country that they live in. Some travel insurance companies assume that US is the home country for US citizens regardless of where they live.

The insurance plans offered by these companies do not satisfy the need of US citizens visiting the US. In this situation even US domestic health insurance companies do not help as they offer short term insurance only for US residents and for longer time periods like 3 months, 6 months, 1 year or 2 years.

However there are some popular US travel insurance plans that offer best medical insurance for USA citizen visiting to USA for a short term. These plans are available to them as long as they are temporarily visiting US and are returning to their home country outside the US.

Best travel insurance for U.S. citizens visiting US

Normally, insurers do not want to cover US citizens in the US because laws regarding domestic coverage are completely different than those which only cover short term travelers. If you are a US citizen, most policies will have you enter the US as your "home" country.

If the US is your home country, then you will not be eligible for coverage in the US. However, two companies namely International Medical Group (IMG) allow you to distinguish your "residence" country from your "destination" country while still entering your country of citizenship as US.

  • These plans offered by IMG are: Patriot America Lite, Patriot America Plus and Patriot Platinum America.
  • The Patriot America Plus plan is particularly good for persons under 70 years of age with pre-existing medical conditions that could become an unexpected emergency during their travels. This plan offers coverage up to the maximum of the plan for what is called "acute onset" of a pre-existing medical condition up to the maximum purchased for the plan. However, for persons over 70 or without such pre-existing medical conditions, the Patriot America plan has a greater option of maximums with better pricing.
  • Patriot America Lite and Patriot America Plus are available for applicants currently residing outside US, must have resided outside US continuously for the past 6 months and must have a current health plan in force.
  • Patriot Platinum America insurance offers high end coverage for US citizens travelers seeking exclusive medical coverage. It is available for US citizens currently residing outside US, must have resided outside US continuously for the past 6 months and must have a current health plan in force.

Why is travel insurance for USA so expensive?

There is no denying that travel insurance to USA is unfortunately very expensive. The main reason for this is simply because the cost of healthcare in the USA is very expensive and the travel insurance USA costs are directly related to the healthcare costs. One more factor for some USA travel insurance plans to be very expensive is that there are specially designed travel insurance for USA plans available for older travelers, with higher medical coverage as well as some plans with coverage for pre-existing ailments.

Patriot America Plus and Patriot Platinum America can be used by US citizens as long as they maintain a residence outside the US and are visiting the country for a short visit. The Patriot America Plus insurance plan offered by IMG is specifically designed for short term visitors to USA and is a hugely popular choice among tourists to America. The policy covers "acute onset of pre-existing conditions" up to the maximum of the plan purchased for persons under 70 years of age.

The company recently added the benefit of copays of $25 for urgent care centers and $15 for walk-in clinics which are paid INSTEAD of the deductible each time these facilities are used. There is a sports rider that can be added for additional cost to cover skiing, snorkeling, surfing, and other common recreational sports. Persons under 70 years of age can get up to $1 million maximum coverage.

Flu Shot Coverage in Travel insurance

Flu shot is a preventive care which is taken annually or as prescribed by the Physician. Flu shots act as preventive care before a person contracts influenza (flu). Most insurance providers do not cover preventive care in the travel insurance policy. Unless mentioned in the policy documents.

01. I have a travel insurance policy, is the flu shot covered in it?

Flu shot is preventive care hence it is not covered automatically if there is an existing travel insurance policy active, unless mentioned in the policy documents. Travelers can check with the insurance providers for more clarity.

02. I Am travelling for a week and if I get the flu during my travel will I be covered for the flu?

As long as travelers contract the flu after the inception date of the policy then it will be covered as a fresh illness. Any Flu which has been there prior to the start date of the travel insurance policy may not be covered.

International health insurance for US citizens living abroad - FAQ's

01. What type of travel insurance is suitable for US citizens visiting the USA?

Travel medical insurance plans are suitable for US citizens visiting the USA, as long as they are only temporarily visiting and intend to return to live in another country. Health insurance for US travelers to US offer coverage for medical expenses due to sudden sickness or injury.

02. What are some recommended travel insurance plans for US citizens visiting the USA?

Some recommended medical insurance for US citizens visiting USA include Diplomat America, Diplomat Long Term, Patriot America Lite and Patriot America Plus.

03. Are there options for US citizens who have been living abroad and are moving back to the USA?

US citizens who have been living abroad and are moving back to the USA may consider purchasing Short term medical insurance, which does not require a period of prior residence in the US before purchasing.

04. What are the benefits of travel health insurance for us citizens visiting USA?

Travel insurance in USA for US citizens typically includes coverage for travel assistance, personal liability, accident and sickness, loss or delay of baggage, and hijack cover. Additionally, some plans offer an automatic extension of coverage in the event of hospitalization abroad.

05. Do I need travel insurance if I'm a US Citizen traveling within the USA?

Travel health insurance for U.S. citizens is not mandatory, but it is still recommended as it is beneficial in certain situations. It depends on your risk tolerance and trip plans. Here are some factors to consider:

  • Trip Cost: For expensive trips with non-refundable bookings (flights, hotels, tours), travel medical insurance for us citizens can offer financial protection if you need to cancel.
  • Medical Concerns: If you have pre-existing medical conditions or are concerned about medical emergencies, travel insurance for American citizens can help cover unexpected medical costs.
  • Activities: For adventurous activities (skiing, snowboarding, etc.), some plans offer coverage for trip interruptions or injuries sustained during those activities.

06. Do expats visiting the US need travel insurance?

Yes, expats visiting the US should consider purchasing expat travel insurance USA to cover any unexpected medical emergencies during their stay. US expat travel insurance can provide coverage for emergency medical services, hospitalization, and other medical needs that may arise.

US citizen health insurance for visiting USA forum

US Citizen coming to the US for short trips

Hi,

Looking for medical travel insurance for frequent short trips to the US from Costa Rica where we are currently living. I am a US resident and wondering if I qualify for this insurance.
Thanks,
Nancy

Dear Nancy,

Thank you for contacting American Visitor Insurance with your inquiry! There are plans that are available for US citizens residing abroad and visiting the US for a short period of time. However, annual trip plans for people traveling frequently are available for US and Non US citizens traveling outside their home country. Since you are a US citizen and want coverage in the US which is your home country we will not be able to suggest annual trip plans but you can buy other plans for visiting the US for short period of time.

Patriot America Plus Insurance:
Let us know if you have any questions.

www.americanvisitorinsurance.com
Customer care
(877) 340 7910

Travel medical insurance for Puerto Ricans visiting mainland US

Most residents of Puerto Rico are US citizens, and as US citizens traveling to the US, the available insurance options are extremely limited. One of the best available option is the Trip Protection insurance offered by Seven Corners. The Trip Protection insurance offers three levels of coverage: Basic and Choice.

Puerto Ricans can insure trips abroad as well as away from home in the US. The Round Trip insurance covers travelers while on the trip as well as protection for a set amount of non-reimbursed expenses for your trip. Puerto Ricans can choose a low amount to insure if the primarily need is for health coverage during the trip. The Trip Protection insurance plan also have pre-existing condition coverage; please see the details for each level of the plan. You can compare the Seven Corners Trip Protection insurance plans here.

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